Introduction

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The MMU programme is funded by a grant from the Bill & Foundation Restricted - Confidential Information © GSMA 2009 June 2011 Singapore Seema Desai MMU Director Mobile Money for the Unbanked Programme Working Group – 27 th June 2011, Singapore

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Transcript of Introduction

Page 1: Introduction

The MMU programme is funded by a grant from the Bill & Melinda Gates Foundation

Restricted - Confidential Information

© GSMA 2009 June 2011 Singapore

Seema DesaiMMU Director

Mobile Money for the Unbanked ProgrammeWorking Group – 27th June 2011, Singapore

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© GSMA 2011June 2011 Singapore

Building, incentivising, and managing a network of mobile money agents

How can operators solve the “chicken and egg” problem by calibrating the growth of their agent networks?

What value do aggregators, superagents, and other intermediaries add?

What kind of monitoring and oversight to agents require?

Are there synergies between airtime and mobile money sales?

Managing and effectively structuring operator-bank relationships to offer mobile money for the unbanked

What are the activities in the mobile money value chain? For each of these activities, is a bank or an operator better to carry it out?

What is the different between bank-led and operator-led models from a commercial perspective?

Are relationships between banks and operators to offer mobile money real partnerships?

Is there really any money in mobile money?

How much must an MNO invest in mobile money before turning a profit?

How significant are airtime distribution savings, churn reduction benefits and ARPU uplift to profitability compared to direct revenues?

Which costs can be actively managed to achieve profitability?

Driving customer usage of mobile money for the unbanked

Why is it so difficult for mobile operators to bring mobile money to scale?

What does the journey from unawareness of mobile money to regular use look like, and what implications does this have for the marketing mix?

Is mobile money a mass-market proposition? What promotions lead to regular use? Which don’t?

Selected MMU resources

Articles Tools Pricing and commissions webinar

Profitability toolkit

A financial model designed to allow operators to assess the overall performance of their mobile money offering

Mobile money marketing gallery

Consumer insights toolkit

A guide to conducting qualitative and quantitative market research on mobile money

Mobile money dashboard

Aggregate volume and value

Customer base Customer

engagement Agent engagement Customer and

agent balance

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Find these and more at mmublog.org

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Finally—join us in Singapore